6411 Woods St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6411 Woods St, Saint Cloud, FL 34771

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,404 sqft · built 2003
Lot Size	0.281 acres (12,240 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (Aug 2022)
Tax Bill	$2,050 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Sep 2018 Loan Modification + 1 more
Flood Zone	Zone AE (high risk)
APN	`02-26-31-4720-0001-5930`

Property Details

APN / Parcel Number

Primary APN	`02-26-31-4720-0001-5930`
Alternative APNs	`263102472000015930` `95416`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,404 sqft Living Area
1st Floor Area	1,404 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Custom Design
Exterior Material	Aluminum/Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,240 sqft (0.281 acres)
Lot Dimensions	120 ft deep x 102 ft wide

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	6411 WOODS ST
City	SAINT CLOUD
State	FL
Zip	34771-9736
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	ORMH
Legal Description	PINE GROVE PARK PB 1 PG 245 LOTS 593 THRU 595 LESS W 2 FT OF LOTS 593 & 594 & VAC 20 FT R/W ABUTTING THE EAST SIDE
Legal Range	31E
Legal Township	26S
Legal Section	02
Legal Subdivision	PINE GROVE PARK
Legal Tract	4720
Legal Block	5930
Legal Lot Number	593
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1023
Census Tract	43801

Owner

Source: Osceola County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	6411 WOODS ST, SAINT CLOUD, FL 34771-9736
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2022	Warranty Deed, Transfer · Conventional Mortgage HOME1ST LENDING LLC
Sep 1, 2018	Loan Modification, Mortgage · Conventional with PMI JP MORGAN CHASE BK
Sep 1, 2017	Loan Modification, Mortgage · FHA Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2022 · Amount on Record
Deed Sale	Aug 26, 2022 · Amount on Record
Prior Sale	Aug 4, 2003 · Amount on Record
Deed Document Number	2022131177
Deed Book / Page	6275 / 2981
Prior Transfer Date	Jul 1, 2003
Prior Transfer Doc	2288002351
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 26, 2022
Property Address	6411 WOODS ST, SAINT CLOUD, FL 34771-9736
Document Number	0062752981
Book / Page	6275 / 2981
Map Reference	MB 1 PG 245
Instrument Date	Aug 5, 2022
Instrument	2022131177
Transaction Type	Transfer
Record Updated	Sep 8, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6411 WOODS ST, 6411, SAINT CLOUD, FL 34771-9736

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6411 WOODS ST, SAINT CLOUD, FL 34771-9736

Mortgage

Document Number	0062752962
Date	Aug 26, 2022
Book Page	6275/2962
Instrument	2022131176

Lender

Name	HOME1ST LENDING LLC
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	6411 WOODS ST, SAINT CLOUD, FL 34771-9736
Document Number	0054090141
Instrument Date	Sep 1, 2018
Transaction Type	Mortgage
Record Updated	Oct 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6411 WOODS ST ST CLOUD FL 347719736, ST CLOUD, FL 34771-9736

Mortgage

Document Number	0054090141
Date	Sep 28, 2018
Book Page	005409/000141
Instrument	146246

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43219-6009

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2048

Interest

Rate	3.37%

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	6411 WOODS ST, SAINT CLOUD, FL 34771-9736
Document Number	0052061504
Instrument Date	Sep 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6411 WOODS ST ST CLOUD FL 347719736, ST CLOUD, FL 34771-9736

Mortgage

Document Number	0052061504
Date	Sep 7, 2017
Book Page	005206/001504
Instrument	129151

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43219-6009

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 6, 2047

Interest

Rate Type	Fixed Rate
Rate	3.37%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,050.00 (-6.65%) Homeowner's exemption	$133,100 (-10.43%) Land $46,400 Building $86,700	$133,100 (-10.43%) Land $46,400 Building $86,700
2023	$2,196.00 (+127.09%) Homeowner's exemption	$148,600 (+198.61%) Land $46,400 Building $102,200	$148,600 (+86.45%) Land $46,400 Building $102,200
2022	$967.00 Homeowner's exemption	$49,764	$79,700 Land $28,200 Building $51,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 192 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	192 in force
Nearby Flood Claims	6 (2002–2023)
Most Recent Claim	Nov 2023 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 63% of the US · lower than 60% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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